Re: US Bank

I find this so strange, I am in NJ - You are actually closer to a brick & mortar branch than me. I do not understand how a "trade area" is determined? Can someone please explain?

They view their credit card and interest rates as an incentive to generate brick and mortar business. So they only want locations that facilitate this.They simply do not want to extend business to specific geographic or economic areas. There are entire Zip codes in Ohio that banks will not finance home loans on

They have some statute or agreement that limits their business area.

Are you living in the Continental US?

This is called redlining at it is an illegal practice. If they do deny your application for such a loan I sure hope that isn't the proffered reason.

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.